Florida Department of Education
Curriculum Framework

Program Title:	Business Administration 
Career Cluster:	Business Management and Administration

AS	
CIP Number	1552020102	
Program Type	College Credit	
Standard Length	60 credit hours	
CTSO	PBL, BPA	
SOC Codes 	11-1021 – General and Operations Managers	
CTE Program Resources 	http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml	

Purpose

This program offers a sequence of courses that provides coherent and rigorous content aligned with challenging academic standards and relevant technical knowledge and skills needed to prepare for further education and careers in the Business Management and Administration career cluster; provides technical skill proficiency, and includes competency-based applied learning that contributes to the academic knowledge, higher-order reasoning and problem-solving skills, work attitudes, general employability skills, technical skills, and occupation-specific skills, and knowledge of all aspects of the Business Management and Administration career cluster. 

The content includes but is not limited to planning, organizing, directing and controlling of a business, with emphasis on selected theories of management and decision making and the knowledge and understanding necessary for managing people and functions.  The Business Administration Associate in Science degree program should include the requirements specified in the statewide Articulation Manual.

Specializations:  In addition to the professional learning outcomes, students are to complete the outcomes in one of the following specializations:
•	Banking - SOC Code 11-3031 (Financial Managers)
•	Business Development and Entrepreneurship - SOC Code 11-1021 (General and Operations Manager)
•	Healthcare Administration - SOC Code 31-9099 (Health Care Support Workers, All Other)
•	Human Resources - SOC Code 11-3131 (Training and Development Managers)
•	Insurance - SOC Code 11-3111 (Compensation and Benefits Managers)
•	International Business - SOC Code 11-2011 (Advertising and Promotion Managers)
•	Management - SOC Code 11-9199 (Managers, All other)
•	Property, Real Estate, and Community Association Managers - SOC Code 11-9141 (Property, Real Estate, and Community Association Managers) 
•	Small Business Management - SOC Code 11-3011 (Administrative Services Managers)

Additional Information relevant to this Career and Technical Education (CTE) program is provided at the end of this document.

Program Structure

This program is a planned sequence of instruction consisting of 60 credit hours.

Standards

After successfully completing this program, the student will be able to perform the following:

Professional Skills: 
01.0	Prepare and use financial information to support decision-making.  
02.0	Demonstrate an understanding of accounting operations. 
03.0	Manage business information using appropriate technology.  
04.0	Demonstrate effective business communication skills.  
05.0	Describe the significance of legal and ethical issues in a business environment.  
06.0	Identify the role and function of human resources in the business environment.   
07.0	Demonstrate employability skills.  
08.0	Develop strategic and organizational skills.  
09.0	Demonstrate an understanding of management activities.  
10.0	Demonstrate an understanding of sales and marketing principles. 
11.0	Participate in a capstone project.  

Banking Specialization:
10.0	Understand terminology unique to the banking industry.  
11.0	Demonstrate knowledge of basic functions of banking institutions.
12.0	Utilize effective cross selling techniques and procedures for financial services.  
13.0	Demonstrate knowledge of the history, growth and structure of the banking industry.  
14.0	Demonstrate foundational knowledge of banking operations.
15.0	Identify security procedures for the detection and prevention of bank fraud.  
16.0	Demonstrate understanding of money and banking.  
17.0	Demonstrate knowledge of economic principles.  

Business Development and Entrepreneurship Specialization:
10.0	Demonstrate an understanding of the foundational principles associated with business development and entrepreneurship.  
11.0	Demonstrate knowledge of basic marketing principles.  
12.0	Demonstrate knowledge of small business management functions.  
13.0	Plan the promotional strategy of a small business. 
14.0	Utilize effective selling techniques and procedures.  
Healthcare Administration Specialization:
12.0	Demonstrate knowledge of health care administration functions.  

Human Resources Specialization:
10.0	Examine the major principles of human resources.  

Insurance Specialization:
10.0	Demonstrate knowledge and application of product and service technology.  
11.0	Demonstrate knowledge of employee compensation and benefits plan.  
12.0	Develop a successful promotion plan for an insurance agency.  
International Business Specialization:
10.0	Understand international marketing and distribution activities.  
11.0	Demonstrate knowledge of international banking, accounting, and finance activities.  
12.0	Demonstrate knowledge of international socio-cultural business practices.  
13.0	Demonstrate knowledge of international law and economic activities.  

Management Specialization:
10.0	Demonstrate knowledge of principles and practices of management.  
11.0	Demonstrate knowledge of essential human relations skills.  
12.0	Demonstrate knowledge of the responsibilities, challenges, and attributes of each level of management. 
Property, Real Estate, & Community Association Management Specialization
10.0	Demonstrate knowledge of real estate principles.  
11.0	Demonstrate understanding of property management operations.  
12.0	Demonstrate an understanding of state and federal laws related to the operation of community associations.
13.0	Demonstrate understanding of community management association operations.  
14.0	Demonstrate an understanding of the principles for the preparation of the budget and other financial documents.
15.0	Demonstrate an understanding of community association and property manager insurance requirements.
16.0	Demonstrate an understanding of the management and maintenance requirements of a community association.

Small Business Management Specialization:
10.0	Demonstrate knowledge of small business management functions.  

Florida Department of Education
Student Performance Standards

Program Title:	Business Administration
CIP Number:		1552020102
Program Length:	60 credit hours
SOC Code(s):		11-1021

At the completion of this program, the student will be able to:	
Professional Skills: 	
01.0	Prepare and use financial information to support decision-making. The student will be able to: 	
01.01	Apply the accounting cycle steps to various business scenarios.	
01.02	Apply cash control procedures to various business scenarios.	
01.03	Use source documents to prepare and analyze transactions. 	
01.04	Describe internal control methods, cyber security protocols, and fraud controls.	
01.05	Apply Generally Accepted Accounting Principles (GAAP) in the context of global business operations.	
01.06	Analyze financial information to make informed business decisions.	
02.0	Demonstrate an understanding of accounting operations. The student will be able to:	
02.01	Examine accounts receivable and payable in different business scenarios to identify possible issues.	
02.02	Compare and contrast profit vs. not-for-profit accounting.	
02.03	Prepare and interpret profit analysis reports and their impact on organizational performance.	
02.04	Describe differences in planning for operating expenditures and capital expenditures.	
02.05	Describe the principles related to pricing decisions.	
02.06	Use pricing principles to justify business decisions.	
02.07	Assess the impact of taxes on business operations.	
02.08	Conduct a basic financial ratio analysis.	
03.0	Manage business information using appropriate technology.  The student will be able to:	
03.01	Identify and use the appropriate technology in various business settings.	
03.02	Demonstrate proficiency in the use of word processing, spreadsheet, database, & presentation software, collaboration tools, and other office software commonly used in business.	
03.03	Utilize technology to access, research, analyze, organize and interpret business information. (i.e., dashboards, reports)	
04.0	Demonstrate effective business communication skills.  The student will be able to:	
04.01	Identify and effectively utilize appropriate oral and written communication skills in diverse business settings.	
04.02	Employ effective interpersonal communication skills in various business settings.	
04.03	Exhibit listening and empathy skills that aid in achieving stakeholder satisfaction.	
04.04	Demonstrate effective teamwork skills (collaboration, cooperation, negotiation, providing and receiving feedback).  	
04.05	Apply effective conflict resolution skills, including in legal, interpersonal, and ethical circumstances.	
04.06	Recognize the importance of a growth mindset to improve outcomes.	
04.07	Apply appropriate tone and professional demeanor in business communications, including e-mails, correspondence, conference calls, conversation, text messages and virtual meetings.  	
04.08	Apply business-level writing standards in all correspondence.	
04.09	Prepare, outline, and deliver an effective oral presentation in person as well as through a virtual live video platform, using appropriate visual material.	
04.10	Research and interpret information retrieved from various primary and secondary sources. 	
04.11	Compose a document responding to and interpreting diverse types of business information.	
04.12	Demonstrate ability to communicate effectively with diverse stakeholders.	
05.0	Describe the significance of legal and ethical issues in a business environment.  The student will be able to:	
05.01	Explain the essential elements of a contract and other negotiable instruments. 	
05.02	Differentiate the main types of intellectual property rights.	
05.03	Identify the appropriate use of employer property.	
05.04	Describe the role of confidentiality in business.	
05.05	Explain the decision-making process using ethical reasoning and the consequences of unethical choices in a business environment.	
05.06	Differentiate between ethical reasoning and judgment and acting in accordance with legal responsibilities.	
05.07	Discuss how values, attitudes, and cultural differences influence ethical decision-making.	
05.08	Explain legal, ethical, and privacy issues related to business communications, including the transmission and storage of electronic data. 	
06.0	Identify the role and function of human resources in the business environment. The student will be able to:  	
06.01	Describe and conduct a job analysis.	
06.02	Identify the role, principles and functions of recruitment and staffing.	
06.03	Demonstrate effective interview methods, including the use of current technology.	
06.04	Identify methods of employee onboarding, orientation, training, development, and retention.	
06.05	Identify the components of compensation and benefits plans, and evaluate the potential for inequity in compensation and benefits.	
06.06	Describe the legal issues associated with compensation and benefits plans.	
06.07	Describe the administration of, and costs associated with, employer compensation and benefits plans. 	
06.08	Describe current provisions of human resources laws, including but not limited to the Civil Rights Acts, Equal Employment Opportunity Commission (EEOC), American with Disabilities Act (ADA), Equal Pay Act (EPA), Fair Labor Standards Act, Affordable Care Act (ACA), and Family and Medical Leave Act (FMLA).	
06.09	Identify methods to protect organizations from potential legal action.	
06.10	Describe Future of Work trends and which careers are most likely to be impacted by automation and technology advances.	
07.0	Demonstrate employability skills.  The student will be able to:	
07.01	Identify sources of employment, internship, and apprenticeship opportunities, where applicable.	
07.02	Use government digital resources to identify jobs, wage, and employment trends for your occupation.	
07.03	Describe the job search process.	
07.04	Complete a resume and a cover letter.	
07.05	Complete an electronic job application form correctly.	
07.06	Identify methods for securing an employment reference.	
07.07	Prepare a resume for electronic distribution.	
07.08	Demonstrate effective job interview techniques and identify different types of interviews.	
07.09	Identify pre- and post- interview strategies.	
07.10	Identify and demonstrate appropriate responses to feedback from supervisors.	
07.11	Identify and demonstrate acceptable work habits.	
07.12	Describe the importance of an employee’s ability to be flexible in the workplace.	
07.13	Demonstrate effective time management skills.	
08.0	Develop strategic and organizational skills.  The student will be able to:	
08.01	Define effective leadership and identify key leadership behaviors and traits.	
08.02	Compare different styles of leadership.	
08.03	Examine ways effective leaders develop and retain employees.	
08.04	Define organization vision and mission.	
08.05	Identify characteristics of effective goals.	
08.06	Explain how effective leaders identify problems and make decisions.	
08.07	Compare different conflict management techniques.	
08.08	Apply appropriate action in situations requiring consideration of business ethics.	
08.09	Describe effective ways to assign and delegate work.	
08.10	Apply effective decision-making and problem solving strategies.	
09.0	Demonstrate an understanding of management activities.  The student will be able to:	
09.01	Describe the functions of management and their impact on an organization’s ability to achieve its goals.	
09.02	Describe how an organization’s mission and vision drive the formation of strategic policy.	
09.03	Distinguish the goals among business, government, and non-profit organizations.	
09.04	Describe basic management roles, including interpersonal, informational and decision-making.	
09.05	Discuss political, conceptual, interpersonal, and diagnostic skills required in management. 	
09.06	Describe the value and application of data to management decision-making.	
09.07	Describe how creativity and innovation are significant contributions to successful management.      	
09.08	Identify the impact of organizational culture.	
10.0	Demonstrate an understanding of sales and marketing principles. The student will be able to:	
10.01	Evaluate each component of the marketing mix for purposes of creating customer value.	
10.02	Explain the effect of external environment on the marketing mix.	
10.03	Discuss the factors that influence the buying decisions in consumer and business markets.	
10.04	Identify and discuss the major components of the marketing plan.	
10.05	Examine trends in international marketing. 	
10.06	Describe the benefits and limitations of social media and digital marketing.	
10.07	Examine how research and development lead to new products and services.	
10.08	Discuss expansion of product lines.	
10.09	Discuss the impact of technology on consumer and business markets.	
10.10	Explain trends in digital product and service delivery.	
10.11	Explain the role of e-commerce for B2B and B2C.	
10.12	Define factors that fuel innovation.	
10.13	Describe the steps in the product development process.	
10.14	Differentiate among market segmentation, target market, and customer persona.	
10.15	Utilize essential knowledge and means for acquiring customer, competitor and product/service information.	
10.16	Demonstrate selling techniques and procedures for improving customer satisfaction.	
10.17	Define selling techniques and procedures for establishing customer relationships.	
10.18	Discuss ethical guidelines in the selling process.	
10.19	Prepare an effective sales presentation.	
11.0	Participate in a capstone project.  The student will be able to:	
11.01	Research, analyze, and develop a solution for a business scenario or case.	
11.02	Demonstrate the ability to identify and solve problems.	
11.03	Demonstrate effective contribution as a team member.	
11.04	Demonstrate adaptive self- management skills.	
11.05	Prepare a project plan outline.	
11.06	Manage time according to project plan.	
11.07	Execute a project plan.	
11.08	Demonstrate effective time management skills.	
11.09	Use presentation skills, and appropriate media to describe the progress, results and outcomes of the experience.	
Banking Specialization:	
12.0	Understand terminology unique to the banking industry.  The student will be able to:	
12.01	Understand and use terminology as it applies to the banking industry.	
12.02	Interpret and convey banking terminology to communicate effectively with customers.	
13.0	Demonstrate knowledge of basic functions of banking institutions.  The student will be able to:	
13.01	Describe the basic functions of a financial institution.	
13.02	Explain how the functions of a financial institution are interrelated.	
13.03	Discuss which departments and employees are responsible for the different functions.	
14.0	Utilize effective cross selling techniques and procedures for financial services.  The student will be able to:	
14.01	Demonstrate knowledge of all services offered by financial institutions for purposes of cross selling.	
14.02	Demonstrate the procedures related to cross selling and explain their importance.	
14.03	Analyze ethical considerations related to cross selling financial services.	
15.0	Demonstrate knowledge of the history, growth and structure of the banking industry.  The student will be able to:	
15.01	Describe the evolution of American banking institutions.	
15.02	Describe the functions of regulatory agencies and their impact on the banking industry.	
15.03	Identify major acts and important regulations resulting from the growth and changes in banking institutions.	
15.04	Differentiate between banks and other financial institutions that offer banking services.	
15.05	Explain the role of bank rating agencies.  	
15.06	Discuss the role of the CRA (Community Reinvestment Act).	
16.0	Demonstrate foundational knowledge of banking operations. The student will be able to:	
16.01	Locate information on a customer's account and explain what information is to be given over the phone and to whom it can be given.	
16.02	Explain the routing system for payment of a check in the Check 21 environment.	
16.03	Identify and describe standard bank policies, including state regulations.	
16.04	Explain how a credit score is tabulated.	
17.0	Identify security procedures for the detection and prevention of bank fraud.  The student will be able to:	
17.01	Explain the components of and process for filing a Currency Transaction Report (CTR).	
17.02	Describe the importance of information security, including cybersecurity protocols.	
17.03	Identify and describe common types of bank fraud.	
17.04	Identify and describe security precautions and methods used to deter bank fraud.	
18.0	Demonstrate understanding of money and banking.  The student will be able to:	
18.01	Identify current trends in financial services deregulation and diversified financial services.	
18.02	Differentiate among corporation and other forms of business.	
18.03	Identify and explain the components of a corporate charter and bylaws.	
18.04	Describe capital acquisition and subsequent equity and debt functions.	
18.05	Discuss the functions of securities markets and the SEC (Securities and Exchange Commission) regulations.	
18.06	Define business failure, reorganization, dissolutions, and liquidation.	
18.07	Conduct a basic financial ratio analysis.	
18.08	Identify and describe the major types of financial markets and what distinguishes them.	
18.09	Identify and describe the major types of financial intermediaries and what distinguishes them.	
18.10	Define a financial system and describe its purpose.	
18.11	Explain concepts of loan to value, time value of money, compounding of interest, and amortization.	
18.12	Discuss credit information sources.	
19.0	Demonstrate knowledge of economic principles.  The student will be able to:	
19.01	Differentiate between monetary and fiscal policy.	
19.02	Explain production, consumption, GDP (Gross Domestic Product) and business cycles.	
19.03	Explain the interrelationship between the Federal Reserve System and commercial banks.	
19.04	Identify and describe the economic factors that cause interest rates to rise and decline.	
19.05	Define inflation and describe its impact on the economy.	
Business Development and Entrepreneurship Specialization:	
12.0	Demonstrate an understanding of the foundational principles associated with business development and entrepreneurship.  The student will be able to:	
12.01	Define entrepreneurship and business development.	
12.02	Describe the importance of entrepreneurship and small business to the American economy.	
12.03	Analyze the advantages and disadvantages of business ownership.	
12.04	Identify the necessary traits of a successful entrepreneur.	
12.05	Recognize the management, financial, marketing and legal skills necessary to successfully operate and grow an entrepreneurial venture.	
12.06	Discuss the global aspects of an entrepreneurial business.	
12.07	Define social entrepreneurship.	
12.08	Identify and evaluate the methods of entering into an entrepreneurial venture to include starting a new business, buying an existing business, and operating a franchise.	
12.09	Discuss the function of a business plan.	
12.10	Describe the protection of various types of intellectual property.	
12.11	Identify characteristics of a viable business opportunity.	
12.12	Analyze the current environment for potential business opportunities.	
12.13	Explain the process and importance of a preliminary market analysis.	
12.14	Discuss the challenges of developing and implementing a strategic plan for a small business.	
12.15	Discuss the function of a business model.	
12.16	Explain how entrepreneurship is a way of thinking or mindset independent of owning and operating a business.	
12.17	Explain and apply the various building blocks associated with the business model canvas.	
12.18	Discuss the failure rate in business and strategies to reduce its frequency.	
12.19	Describe the importance of feasibility planning.	
13.0	Demonstrate knowledge of basic marketing principles.  The student will be able to:	
13.01	Explain the role of marketing in the free enterprise system.	
13.02	Compare and contrast the three major types of economic systems.	
13.03	Describe the channels of distribution.	
13.04	Identify and discuss economic resources.	
13.05	Discuss the role of the consumer in the free enterprise system.	
13.06	Explain the concept of supply and demand.	
13.07	Identify and define the functions of marketing.	
13.08	Identify and define the four types of product utility.	
13.09	Identify and explain the elements in the marketing mix (price, product, promotion, and place).	
13.10	Differentiate between the basic categories of consumer goods (i.e. convenience goods, shopping goods, and specialty goods).	
13.11	Identify current trends that have developed in retailing and merchandising.	
13.12	Define the concept of opportunity cost.	
13.13	Identify challenges in marketing a new entrepreneurial venture.	
13.14	Differentiate between marketing and sales.	
13.15	Describe how the business model canvas helps identify marketing strategies for entrepreneurial ventures.	
13.16	Describe various methods for pricing a good or service.	
13.17	Explain the role of social media in entrepreneurial marketing.	
14.0	Demonstrate knowledge of small business management functions.  The student will be able to:	
14.01	Describe the principles of small business management including planning and ethics.	
14.02	Identify principles and systems of accounting in a small business.	
14.03	Identify and describe budgeting and break-even analysis processes.	
14.04	Explain the principles of financing and cash management in the small business.	
14.05	Describe the principles of inventory management.	
14.06	Conduct basic market research and develop a marketing plan for a small business.	
14.07	Identify and describe the components of cost accounting.	
14.08	Identify and describe fundamental legal issues and government regulations facing small business owners.	
14.09	Identify sources of assistance, including the SBA (Small Business Administration), regarding risk management, insurance, taxation, and business law.	
14.10	Describe the process of creating and managing a labor relations program in a small business.	
14.11	Explain the role of e-commerce.	
14.12	Compare and contrast the various forms of business ownership.	
14.13	Examine the advantages and disadvantages of B Corp (benefit corporations) versus non-profit organizations.	
15.0	Plan the promotional strategy of a small business. The student will be able to:	
15.01	Create a promotional plan.	
15.02	Describe promotion techniques.	
15.03	Analyze and describe competitive promotional activities.	
15.04	Analyze and evaluate promotional effectiveness.	
15.05	Develop effective promotional strategies within the marketing mix.	
15.06	Identify target markets.	
15.07	Discuss push/pull strategies.	
15.08	Describe direct marketing techniques.	
15.09	Describe the benefits and limitations of mass media.	
15.10	Describe the benefits and limitations of social media and digital marketing.	
15.11	Identify the key components of a business website for effective promotion.	
16.0	Utilize effective selling techniques and procedures.  The student will be able to:	
16.01	Describe product features and benefits.	
16.02	Identify the steps of the selling process.	
16.03	Discuss consumer-buying behavior.	
16.04	Differentiate between B2B (business to business) and B2C (business to consumer) relationships.	
16.05	Demonstrate an effective sales presentation.	
16.06	Evaluate and critique a sales demonstration.	
16.07	Explain how various technologies (e.g., [CRM] customer relationship management) are used to create and maintain a client database.	
16.08	Describe various types of prospecting tools.	
16.09	Develop a written features/benefits analysis sheet for a product.	
Healthcare Administration Specialization:	
12.0	Demonstrate knowledge of health care administration functions.  The student will be able to:	
12.01	Use terminology unique to the healthcare industry correctly.	
12.02	Explain the role of local, state, and federal government in healthcare delivery.	
12.03	Examine the role of accreditation standards and payment systems on healthcare delivery.	
12.04	Explain the importance of data analysis, quality assurance processes, and assessment methodologies in healthcare administration.	
12.05	Recognize administrative and business functions in a healthcare setting.	
12.06	Discuss legal and ethical issues in healthcare administration.	
12.07	Explain the role of DSM (Diagnostic and Statistical Manual) and CPT (Current Procedural Terminology) coding in the healthcare industry.	
12.08	Discuss racial and economic inequity in healthcare.	
Human Resources Specialization:	
12.0	Examine the major principles of human resources.  The student will be able to:	
12.01	Analyze the functions of human resources.	
12.02	Explain the employer’s relationship with the Human Resources Department.	
12.03	Analyze the strategic role of human resources in an organization.	
12.04	Compare and contrast the benefits and limitations of internal and external recruiting.	
12.05	Describe various methods of recruitment.	
12.06	Create and analyze job descriptions and position requirements.	
12.07	Analyze KSAs (knowledge, skills, & abilities) of potential internal candidates for open positions.	
12.08	Describe interviewing skills and techniques appropriate to in-person and virtual settings.	
12.09	Describe the process of onboarding.	
12.10	Identify training and development strategies within the human resources department.	
12.11	Analyze and select appropriate in-person and virtual interview techniques.	
12.12	Identify candidates for selection and hiring, including contract and temporary positions.	
12.13	Describe compensation and benefit plans.	
12.14	Describe the legal issues associated with compensation and benefit plans.	
12.15	Identify human resource challenges and provide possible solutions.	
12.16	Identify proactive steps to address potential human resource challenges.	
12.17	Describe the provisions of the Civil Rights Acts, Equal Employment Opportunity Commission (EEOC), American with Disabilities Act (ADA), Equal Pay Act (EPA), Fair Labor Standards Act, Affordable Care Act (ACA), Family and Medical Leave Act (FMLA), and other laws as they apply to human resource functions.	
12.18	Describe the oversight function of Federal and State administrative and regulatory agencies as they relate to human resources.	
12.19	Explain how perceptions of compensation differ among different stakeholders.	
12.20	Define internal equity within an organization.	
12.21	Discuss external competitiveness.	
12.22	Examine the effect of political, economic, social, and cultural factors on human resources.	
12.23	Identify criteria for effective performance management.	
12.24	Discuss the employment and onboarding processes for contract and temporary positions.	
Insurance Specialization:	
12.0	Demonstrate knowledge and application of product and service technology.  The student will be able to:	
12.01	Explain the terms, conditions, and coverage found in the standard commercial fire policy.	
12.02	List and explain the purposes of the forms that can be added to the standard commercial fire policy.	
12.03	Discuss the standard clauses found in various commercial fire and allied forms.	
12.04	List and explain the various commercial coverage forms available.	
12.05	Discuss the different types of insurance contracts available to cover consequential and contingent losses.	
12.06	Describe the procedure followed in the rating of fire and allied lines insurance	
12.07	Explain the purpose and scope of the special flood and windstorm programs.	
12.08	Discuss the comprehensive glass policy.	
12.09	Discuss the basic inland marine policy, including contractor’s equipment.	
12.10	Discuss the coverage afforded by the ocean marine policies.	
12.11	List the major commercial inland marine coverage and explain the use and purpose.	
12.12	Describe the procedure followed in the rating of inland marine insurance contracts and demonstrate this understanding.	
12.13	Explain the liability of an ocean carrier for the property of others.	
12.14	List and explain the nature of the insurable interests in an ocean marine venture.	
12.15	List and define the ocean marine perils.	
12.16	Explain the purpose of the basic ocean marine clauses.	
12.17	Discuss the principles and application of the law of negligence.	
12.18	Explain commercial general liability coverage and its application to practical situations.	
12.19	List the different commercial liability coverage and explain the application to practical situations, including but not limited to professional liability, errors & omissions, liquor liability, directors & officers, & cyber liability.	
12.20	Discuss the negligence liability of automobile owners and operators.	
12.21	Explain the various commercial automobile coverage parts, including but not limited to physical damage, liability, and uninsured motorist.	
12.22	List the different automobile insurance policies and explain the differences among them.	
12.23	Discuss the negligence liability of employers.	
12.24	Discuss the coverage, endorsements, conditions and exclusions found in Worker's Compensation policies.	
12.25	Discuss the purpose and operation of the Florida Joint Underwriters Association (FJUA).	
12.26	Discuss the nature of the boiler and machinery (equipment breakdown) hazard.	
12.27	List and explain the basic coverage found in boiler and machinery policies.	
12.28	Define the basic crime terms.	
12.29	List and discuss the basic and miscellaneous commercial crime coverage forms.	
12.30	Explain the purposes, advantages and disadvantages of crime deductibles.	
12.31	List the cybercrime coverages and describe their function.	
12.32	Discuss the comprehensive glass policy.	
12.33	Explain the purposes of fidelity bonds.	
12.34	Define certain basic terms used in the fidelity field, including types of fidelity bonds.	
12.35	Explain the differences between suretyship and insurance.	
12.36	List and identify the parties to a surety bond and the different types of surety bonds.	
12.37	Discuss the history and concept of commercial multiple line insurance and explain the advantages of packaging.	
12.38	List and discuss the various commercial multiple line programs.	
12.39	Explain the purpose of aviation insurance coverage.	
12.40	Explain the purpose of life insurance coverage regarding business.	
12.41	Define the terms used in life insurance and explain the various types of life insurance.	
12.42	Define health insurance.	
12.43	Identify and explain the difference between individual and group health insurance.	
12.44	Define a Certificate of Insurance.	
12.45	Explain the components of a Certificate of Insurance. 	
12.46	Determine when a Certificate of Insurance is needed.	
13.0	Demonstrate knowledge of employee compensation and benefits plan.  The student will be able to:	
13.01	Distinguish between the various types of wage and salary plans.	
13.02	Identify reasons why different wages and salaries are paid for different jobs.	
13.03	Describe the most common kinds of fringe benefits.	
13.04	Explain major provisions of both the Occupational Safety and Health Act and the Social Security Act.	
14.0	Develop a successful promotion plan for an insurance agency.  The student will be able to:	
14.01	Identify the major methods of promotion.	
14.02	List the sources of advertising.	
14.03	Identify information sources for planning an advertising program.	
14.04	Discuss factors involved in managing promotion including cost, timeliness, and legality.	
14.05	Explain how understanding the customer can improve personal selling.	
14.06	Show how a salesperson can use product knowledge.	
14.07	Instruct employees in effective sales techniques.	
International Business Specialization:	
12.0	Understand international marketing and distribution activities.  The student will be able to:	
12.01	Explain the complex and dynamic international business relationships among countries, regions, and global institutions.	
12.02	Identify, explore, and analyze global resources related to international business.	
12.03	Prepare international sales and purchase agreements.	
12.04	Demonstrate decision-making abilities that generate marketing strategies using products, prices, places, and promotions specifically related to international business.	
12.05	Compare and contrast the benefits and limitations of various modes of transporting goods internationally.	
12.06	Determine transportation costs.	
12.07	Recognize the types of international business organizations and their structures.	
12.08	Identify and describe a customer segment across cultures.	
12.09	Identify and critically analyze international business opportunities.	
12.10	Demonstrate an understanding of global economic integration as it relates to distribution.	
12.11	Recognize the benefits and limitations of using digital currency in global business.	
12.12	Discuss the use of e-commerce in the global business environment.	
12.13	Explain the risks associated with global entry and exit strategies.	
13.0	Demonstrate knowledge of international banking, accounting, and finance activities.  The student will be able to:	
13.01	Identify various payment methods.	
13.02	Describe the process of preparing instruments of international payment, including letters of credit.	
13.03	Identify various sources of financing.	
13.04	Calculate foreign currency using exchange rates.	
13.05	Describe the risk factors related to foreign exchange.	
13.06	Discuss countertrade in international transactions.	
13.07	Describe the common challenges with import/export transactions and processes.	
13.08	Describe the history of various global monetary systems including the Gold Standard, Fixed Rate, and Floating Rate Exchange systems.	
13.09	Describe the differences in accounting standards across nations.	
14.0	Demonstrate knowledge of international socio-cultural business practices.  The student will be able to:	
14.01	Compare and contrast international business customs and practices.	
14.02	Identify countries within regional trade organizations.	
14.03	Explain the various elements of the Hofstede Model as a tool for understanding cultural differences.	
14.04	Describe the role of religion in global business.	
15.0	Demonstrate knowledge of international law and economic activities.  The student will be able to:	
15.01	Identify requirements necessary to comply with international contracts.	
15.02	Identify requirements necessary to comply with international laws and treaties.	
15.03	Describe the benefits and limitations of free trade.	
15.04	Discuss the benefits and limitations of various trade barriers.	
15.05	Discuss the benefits and limitations of globalization.	
15.06	Describe the role of various global institutions in international business.	
15.07	Describe the role of United States government agencies in international business.	
15.08	Describe corporate social responsibility and its impact on the global economy.	
15.09	Describe the role of expatriation and repatriation.	
15.10	Compare and contrast various global staffing practices and procedures.	
15.11	Describe challenges related to performance appraisals in global business operations.	
15.12	Discuss and debate ethical issues associated with global business.	
Management Specialization:	
12.0	Demonstrate knowledge of principles and practices of management.  The student will be able to:	
12.01	Describe the three basic levels of management and types of positions associated with each.	
12.02	Discuss the different facets of social responsibility and their impact on business.	
12.03	Analyze the differences between ethical leadership and legal responsibility.	
12.04	Compare and contrast the different types of plans: strategic, operational, and tactical.	
12.05	Distinguish between an organization’s mission and vision.	
12.06	Identify and describe various planning activities, including goal setting and budgeting; as well as creating and establishing policies and procedures.	
12.07	Describe and give applications of the process of rational decision-making.	
12.08	Define the organizing function of management and identify various activities associated with it.	
12.09	Discuss the relationship between authority and responsibility.	
12.10	Describe different types of organizational structures.	
12.11	Distinguish between leadership and management.	
12.12	Describe the key elements of leadership theories.	
12.13	Discuss the key elements of motivation theories.	
12.14	Describe the relationship between the planning and control functions.	
12.15	Describe various types of control techniques used in the workplace.	
12.16	Describe various crisis management techniques.	
13.0	Demonstrate knowledge of essential human relations skills.  The student will be able to:	
13.01	Discuss the importance of effective human relations skills in organizations.	
13.02	Describe how self-esteem, perception, and values impact job performance.	
13.03	Describe group dynamics and its effect on employee performance.	
13.04	Discuss the effects of stress on employees and the organization and how to effectively manage it.	
14.0	Demonstrate knowledge of the responsibilities, challenges, and attributes of each level of management. The student will be able to:	
14.01	Discuss the challenges involved in making the transition from employee to manager.	
14.02	Identify key supervisory responsibilities unique to each management level.	
14.03	Discuss key attributes of managers, and identify which skills are most important for each management level.	
Property, Real Estate, & Community Association Management Specialization	
12.0	Demonstrate knowledge of real estate principles.  The student will be able to:	
12.01	Describe real estate sales under the market system.	
12.02	Explain the major submarkets of real estate.	
12.03	Explain the principles of highest and best use of land or improved property.	
12.04	List and explain at least three factors that influence demand in the real estate market.	
12.05	Describe duties and license requirements for sales associates, broker associates, and brokers.	
12.06	Describe how real estate market indicators assist in interpreting the current trends and conditions of the local market.	
12.07	Define and explain real estate deeds, taxes and legal descriptions.	
12.08	Define and describe a real estate investment analysis.	
12.09	List and describe different types of loans and financial resources.	
12.10	Describe how real property is appraised.	
12.11	Discuss various types of insurance associated with real estate ownership.	
12.12	Demonstrate understanding of legal issues in real estate.	
12.13	Describe various real estate marketing strategies.	
12.14	Describe the governing bodies and regulation of real estate in Florida.	
12.15	Distinguish between a single agent and a transaction broker.                                                           	
12.16	Explain the components of real estate contracts.	
12.17	Describe the real estate sales process from prospecting to closing.	
13.0	Demonstrate understanding of property management operations.  The student will be able to:	
13.01	Describe the role of the property manager.	
13.02	Identify the professional associations and certifications of a property manager.	
13.03	State the regulations of Professional Property Managers.	
13.04	Distinguish between the different types of managed properties.	
13.05	Recognize the different employment arrangements of a property manager.	
14.0	Demonstrate an understanding of state and federal laws related to the operation of community associations.	
14.01	Explain the Florida Statutes and Regulations governing Condominium and Homeowners Associations as well as Cooperative Associations and Timeshares.	
14.02	Discuss Federal Laws including the Federal Fair Housing Act and non-discrimination requirements	
14.03	Distinguish between federal and state law, emphasizing the supremacy of Federal over State Law.	
15.0	Demonstrate understanding of community management association operations.  The student will be able to:	
15.01	Describe and differentiate among the governing documents including declaration, articles of incorporation, bylaws, and rules and regulations.	
15.02	Explain the proper noticing procedures for COA (Condominium Owners Association) and HOA (Homeowners Association) Board Meetings.	
15.03	Explain proper procedure for noticing and conducting meetings of the general membership of HOAs and COAs.	
15.04	Explain proper procedures for voting for general elections.	
15.05	Explain the purpose and scope of authority of committees.	
16.0	Demonstrate an understanding of the principles for the preparation of the budget and other financial documents.	
16.01	Prepare a budget and explain proper procedures for adopting the budget and reserve requirements.	
16.02	Explain how to fund the budget, allocate and collect assessments.	
16.03	Explain the scope of lien-making power of community associations.	
16.04	Explain the purpose of estoppels.	
16.05	Describe and discuss annual reporting and record requirements.	
16.06	Discuss Escrow Management.	
17.0	Demonstrate an understanding of community association and property manager insurance requirements.	
17.01	Explain state insurance requirements and proper steps for loss prevention.	
17.02	Develop an insurance plan for a community applying the state requirements for liability, flood and other types of insurance.	
17.03	Explain the use of fidelity and performance bonds.	
18.0	Demonstrate an understanding of the management and maintenance requirements of a community association.	
18.01	Explain enforcement of the governing documents including the rights and responsibilities of unit owners, procedures for enforcement, and dispute resolution.	
18.02	Explain the bidding requirements for maintenance work.	
18.03	Identify and apply maintenance requirements based on state & local mandates or contractual obligations.	
18.04	Discuss the role of contracts in vendor management. 	
18.05	Describe the role of contracts in property management.	
Small Business Management Specialization:	
12.0	Demonstrate knowledge of small business management functions.  The student will be able to:	
12.01	Describe the principles of small business management including planning and ethics.	
12.02	Identify principles and systems of accounting in a small business.	
12.03	Identify and describe budgeting and break-even analysis processes.	
12.04	Explain the principles of financing and cash management in the small business.	
12.05	Identify the fundamentals of advertising and marketing products and services in the small business.	
12.06	Describe the principles of inventory management.	
12.07	Identify emerging technology trends in small business operations.	
12.08	Explain basic management functions of leading, organizing, staffing, and motivating.	
12.09	Discuss the components, function, importance, and mechanics of a business plan.	
12.10	Identify and describe the components of cost accounting.	
12.11	Identify and describe fundamental legal issues and government regulations facing small business owners.	
12.12	Describe the process of creating and managing a labor relations program in a small business.	
12.13	Explain the role of e-commerce.	
12.14	Compare and contrast the various forms of business ownership.	
12.15	Discuss the benefits and limitations of family or home-based businesses.	
12.16	Describe the process of creating and managing an effective human resources program in a small business.	
12.17	Analyze and interpret the basic financial statements (balance sheet, income statement, cash flow statement).	
12.18	Compare and contrast the various forms of funding a small business.	
12.19	Identify valuation methods.	
12.20	Discuss the components, function, importance, and mechanics of a business model canvas.	

Additional Information

Laboratory Activities

Laboratory investigations that include scientific inquiry, research, measurement, problem solving, emerging technologies, tools and equipment, as well as, experimental, quality, and safety procedures are an integral part of this career and technical program/course. Laboratory investigations benefit all students by developing an understanding of the complexity and ambiguity of empirical work, as well as the skills required to manage, operate, calibrate and troubleshoot equipment/tools used to make observations. Students understand measurement error; and have the skills to aggregate, interpret, and present the resulting data. Equipment and supplies should be provided to enhance hands-on experiences for students.
Special Notes

General Education Course Requirements for AS and AAS Degrees
State Board of Education Rule 6A-14.030 (4) F.A.C. identifies 15 credit hours as the minimum amount of general education coursework required in the Associate of Science degree and the Associate of Applied Science degree. In addition, Rule 6A-14.0303 FAC implements section 1007.25 Florida Statutes and requires students entering a technical education degree program in the 2022-2023 academic year, and thereafter, to complete at least one identified core course in each subject area as part of the general education course requirements (15 credit hours total) before a degree is awarded) The core subject areas include: 
•	Communication. 
•	Humanities.
•	Mathematics. 
•	Natural Sciences.
•	Social Sciences.

Career and Technical Student Organization (CTSO)

Phi Beta Lambda (PBL) and Business Professionals of America (BPA) are the intercurricular career and technical student organizations providing leadership training and reinforcing specific career and technical skills.  Career and Technical Student Organizations provide activities for students as an integral part of the instruction offered.  

Accommodations

Federal and state legislation requires the provision of accommodations for students with disabilities to meet individual needs and ensure equal access. Postsecondary students with disabilities must self-identify, present documentation, request accommodations if needed, and develop a plan with their counselor and/or instructors. Accommodations received in postsecondary education may differ from those received in secondary education. Accommodations change the way the student is instructed. Students with disabilities may need accommodations in such areas as instructional methods and materials, assignments and assessments, time demands and schedules, learning environment, assistive technology and special communication systems. Documentation of the accommodations requested and provided should be maintained in a confidential file.

Certificate Programs

A College Credit Certificate consists of a program of instruction of less than sixty (60) credits of college-level courses, which is part of an AS or AAS degree program and prepares students for entry into employment (Rule 6A-14.030, F.A.C.).  This AS degree program includes the following College Credit Certificates:

Business Development and Entrepreneurship (0552070306) – 25 credit hours
Business Management (0552070101) – 24 credit hours
Business Operations (0552020104) – 18 credit hours
Business Specialist (0552020103) – 12 credit hours
Human Resources Administrator (0552020105) – 21 credit hours
Real Estate Specialist (0552020113) – 12 credit hours
Risk Management and Insurance Management (0552020109) – 24 credit hours
Risk Management and Insurance Operations (0552020108) – 18 credit hours

Standards for the above certificate programs are contained in separate curriculum frameworks.

Additional Resources

For additional information regarding articulation agreements, Bright Futures Scholarships, Fine Arts/Practical Arts Credit and Equivalent Mathematics and Equally Rigorous Science Courses please refer to:
http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml.